Power of Credit Vs. Spiritual Guidance/mambo Jumbo/advice/fortune Telling. 10/20/08

(Copyrighted)and I would not suffer and insisted that I had to
Before I being telling you a very small portion of mycontinue with my real estate and that only work on
recent incidents, allow me to share my belief.  I ammy book writing as a hobby and not as a source of
not a religious person, although I attend churches,income.  Again, he emphasized that I must stop
temple and used to go to mosques (years ago). litigations.
However, I believe in God.  Everyday, my trust inHe also told my wife, who had been recently
Him increases.  In simple words, there is not a daydemoted at her work, not to worry and in June she
that I loudly do not announce, “God I Love youwould be promoted and it would all workout best for
and my life is yours.”  “God you gave meher.  He persisted that there should be no need for
life and my existence.  Every breath that I take,litigation in that matter either.
every move that I make, everything that I eat orHe also suggested that our relationship, the severely
drink and so much more, is either because you allowdamaged relationship, would workout as he even
me to do so, you provide for me or you make itcommented by saying, “You kids need to work it
happen.”  It is all because I have seen Hell andout and everything will be alright.”
life both in the past fifteen (15) years (BEYONDHe noted a few other things.
YOUR BELIEF).   I believe in a few old sayings: I guess God had His own agenda and did not like for
“Love one another”, “Do unto others asme to place my life, future, or trust in the hands or
you would have them do unto you,” “Thinkmouths of a ”so called spiritual reader (a fortune
right, do right and talk right.”  I also believe inteller).”
the sayings: “Knowledge is wealth,”Let me describe what transpired immediately after
“More is lost by indecision than by badthe reading of February 29, 2008.  A week or so
decision”, “Ask and you shall receive,”later, my investment account of many years with
and “Tomorrow is not promised toAmeritrade/Accutrade was liquidated as a result of
anyone.”  I use this last one sensibly andrepeated errors of Accutrade and its
carefully as some people misunderstand its truerepresentatives’ belligerence, ignorance and
meaning.stubbornness.  I was placed into foreclosure by
However, before you read the rest, I want you toSunTrust bank shortly thereafter and came to a
understand that I am NOT bragging.  I am justpoint in life that I, who never stutters in speaking,
sharing the true fact of established credit and how apractically lost my sense of speech to the point that
good and long term established credit could makea friend came to my house baby sitting me, making
you credit invincible.certain that nothing would happen to me.
As much as I do not believe in fortune telling, palmNot long thereafter, my aunt who raised me since
reading, card or coffee reading concepts, once athe age of four, died and three weeks later my
while to just throw my money away, I would listenmom, who I lacked seeing so much and missed
to the advice of friends and drive with them to aspending time with, died in a horrible car crash.   
few of these places, listening to what the ”soYet this is October 19, 2008 as I am writing this, my
called, spiritual readers” had to say.  It shouldwife is still at the same demoted position, and we live
read like this, "To my dismay, I had done this threein separate houses because “we kids could not
times since 1994, when I was seeking for a way towork it out.”
see how I could turn my horrible life around, asThen, I realized that I was right all along.  No one
described in my book "When I-RAN," available to theknows anything about my life other than the God
public in four months.  Every time to mywho created me.  The knowledge and ability He
disappointment, I would lose a little money just listengave me is what makes or breaks me and it is not
to some nonsense that would never come true. Ofwhat a ”so called fortune teller” tells me. 
course, you must understand that from 1994 throughGod gave me several paths to choose, and I must
2000, I was working on some large scaled businesschoose one that would be most desirable and fulfilling
application/data storage software packages (for theto me.  Although from time to time, just like any
laymen out there- large computer programs forother human being, I may scream and say,
multi-million dollar businesses).  I needed a sense of“GOD, WHY DO YOU DO THIS TO ME?” 
direction and was lost.  God was not answering meThen, I realize, he put water, fire, hills and cliffs in
(or that I thought –He was not).  I guess I wasfront of me, told me the differences and showed me
expecting Him to come and squeeze & twist mywhat will happen if I choose each.  I did not want to
ears and force me to listen.  I guess it is calledlisten and decided to hug the fire and jump off the
knowledge and patience (that I was lacking and stillcliff.
am).I further realized that I could become credit invincible
Anyway, for the past two years, due to my massiveunder His guidance.  Allow me to explain this part.
legal battles and … (read in the “WhenImmediately after having a foreclosure by SunTrust
I-RAN” book), my former wife asked me toMortgage Department along with a series of +150
contact Sylvia Brown (the “so-called worlddays late payment, a late payment by another
renounced psychic”).  I asked my wife, how shecreditor and also being involved in a litigation with
learned about Sylvia.  She stated, “Through theMBNA/Bank of America due to a “Charge
Montel Show.”  Since I heard about MontelOff” all on my credit reports, I was able to buy
before (although I never listened to his programs), Iseveral expensive, new, or almost new vehicles ALL
decided to listen to his program when he had Sylviain a matter of less than seven months.  Guess how
on his show.  After a couple of times, I becamegood my credit was that all these negative impacts
doubtful as I could not understand how a person can(describe above) had little to no impact on my buying
tell a group of audience members what the after lifepower?  You may say, "Okay, so what, you are
or “other side” looks like.  Then, Isuffering from high interest rates."  Yes, you are
understood.  No one actually knows what the afterright.  My interest rates on these vehicles
life is about, yet people are easily deceived.  Whoare—are you ready to read…?
knows?  I can have you hear anything you want1.    A truck of $25,000.00 that has a rate of
and you would not know the difference anyway. 4.9%,
My wife persuaded me by stating that Sylvia helped2.    A fully loaded Avalanche of $48,000.00 that
law enforcement agencies to solve murder crimes. has a rate of 5.5%,
Then I said, ”So the police departments do not3.    A Porsche Cayenne that has an interest rate
need to invest millions of dollars and hire full timeof 0.99%  (using a credit card),
investigators –spend weeks, months or even4.    A fully loaded Silverado 2500 that has an
years to solve a crime.  All they need to do is hireinterest rate of 5.75%, and
Sylvia and her son (Chris) to go around the country5.    An Infiniti M series at a rate of 1.99% at a
and let these two finger point the criminals and theprice over 50 is my most recent purchase.
cases would be solved so much easier and moreI have all these vehicles and am making payments on
efficiently.  This way millions of taxpayers’all.  
dollars would be saved, the district Attorneys andNow, let’s see if you understand what I am
the governors would look like angels, and would betrying to say.  In a matter of a few months in 2008,
happy to hold on to their jobs for life.”I have all of these on my credit report along with
For years, I believed that if the psychics had themassive credit card limits;
ability to predict, then they all would be able to win1.    I received a recent foreclosure and several
the lottery all across this country (if not the globe)150+ day late payments for one mortgage loan;
and did not need to read someone’s palm, card,(soon to file action against)
a coffee cup or have a crystal ball.  See, it is easy2.    I received a recent late payment on another
to predict the unknowns and unpredictable, if youloan;
discipline yourself.  You may wonder how?  Then,3.    I also had a credit card “Charge Off”
read the book “When I-RAN.”   However,of an amount -almost $14,000.00;
predicting someone else’s life or future, is a bit4.    I Bought my first vehicle and still had enough
out of our hands, for those who believe in God, andcredit and buying power to buy the second vehicle;
is unusually suspicious when it comes to those who5.    Negotiate, paid, bought and repaired a house
do not believe in God.for soon to be Ex,
Anyway, as a result of my wife’s persistence, I6.    Still had buying power and credit left to buy
agreed to blow away several hundred dollars bythe third vehicle;
calling Sylvia Brown’s organizations. Of course,7.    Have a judgment on my credit file; because, I
after a long recording and leaving several messages, Iwas mourning the death of two mothers back to
became frustrated and left an educated yet,back, fighting a wife, negotiating, transacting and
frustrating message.  As a result, I received a phonefixing a house for a wife; therefore, I forgot I had
call and was told that Sylvia’s schedule is bookedanother life.
six (6) to nine (9) months in advance and Chris’8.    Bought another house (not Ex) using a credit
is booked ahead about 3-4 months.card along with small line of credit;
However, to have Sylvia read my life it requires the9.    Still had buying power to buy the fourth one;
fee of $750.00 advanced payment of several months10.    Still had credit to buy yet another.
and for Chris, it requires payment of $450.00 several11.    And am still fighting.
months ahead.  If you still did not get the message, it means every
The organization would not take any sort oftime you get a loan, that loan and purchase reduces
payment but a credit card.  To my amusement,your chances of making the next purchase.  Each
would you like to know why?  It is so that younew purchase/loan must be settled and remain on
would NOT be able to dispute the charge and thatyour credit report for at minimum six (6) months for
by the time the reading comes into the schedule, youit to create any positive impact.  This means, any
would have no way to dispute as your time tonew loan will drop your credit score for the first six
dispute would have legally passed.months, as it is NOT an established account.  Now, if
As a result of persistence, I authorized the charge ofyour overall credit history is not a long terms history
$450.00 since I needed to get a sense of directionof 5 years or more, a new loan will take even up to
for a couple of my legal issues.  a year to become a positive impact.
This was the result of Mr. Chris Brown’s reading:Do I need to continue or did you get the picture?
He insisted that I must stop my litigations, as I wouldDo you want to answer me about my questions of
lose them all and I would be spending a lot of timewhich do I believe- the power of credit or power of
and money for no reasons.  He even stated that Ispiritual readers/fortune tellers?
would be throwing good money after bad.  (MBNAAny questions?  Go to Q & A of read and
BOA wants to settle).post.  Go to the “Comment” page and post
He said we do not have any health issues…. Andyour story or comment.  Your information will remain
even commented about my family’s…confidential.  Join my membership club (coming soon).
He said that my finances would be on the up and up